5 Sites for Affordable Fashion

Finding affordable and stylish fashions can be easy when you know the right places to look.

There’s a revolution quietly taking place in the fashion industry. In case you haven’t been paying close attention, it’s now easier than ever to look like a well-heeled fashionista without spending like a Kardashian.

We can thank the internet, the booming sharing economy and a growing group of savvy entrepreneurs, for this development. These sites, which range from high-end fashion resellers to rental companies, have dramatically changed the way consumers shop and the way they think about fashion.

“I think both rental and resale sites are speaking to a trend in which people value the experience of wearing something over the experience of owning it,” said Tracy Dinunzio, CEO of Tradesy, one of the largest peer-to-peer marketplaces for women’s fashion. “We no longer have just one option when shopping — going to the mall to buy things. I think it’s liberating.”

The key theme among all the sites is the substantial savings they deliver, sometimes as high as 90% off original prices. Here are five sites that allow you to maintain your style game without dropping serious cash.

1. Tradesy

With about five million users, and investors as well known as Richard Branson, Tradesy is a booming site that any self-respecting fashion maven should know about.

Tradesy showcases new and preowned fashion sold by users — everything from Marc Jacobs shoes to Dior bags and David Yurman jewelry. Items from well-known brands are listed for up to 90 percent off and Tradesy offers an authenticity guarantee.

“One of the reasons I started Tradesy was I wanted better quality fashion but didn’t have the budget,” said Dinunzio, who would frequent consignment stores in pursuit of scoring deals. Tradesy is the one-stop solution for those who don’t have time to hunt through brick and mortar consignment stores. It’s Dinunzio’s attempt to bring all of those consignment shopping possibilities and the unused fashions sitting in women’s closets, to one place.

2. ThredUp.com

ThredUp.com offers another spin on the reused fashions theme. This massive online consignment and thrift store offers items for up to 90% off.

The site has also conveniently broken down offerings into categories such as “Top Designer Labels from $6,” “Summer Must-Haves Under $10” and “Dresses for under $15.” Just in case you’re skeptical of such affordable price-tags, the dresses in the under $15 category include makers such as Bebe, Calvin Klein, BCBG Max Azaria and more.

“ThredUp is my favorite way to get brand name clothes for less,” said personal finance expert and blogger Kayla Sloan. “I’ve gotten work clothes, dress clothes, active wear, and handbags on ThredUp — brands like Kate Spade, Coach, Michael Kors, Lululemon, Under Armour, Jessica Simpson, and some non-designer items.”

In addition, if you’d like to make extra cash (to do more shopping), ThreadUp will send you a “Clean Out Bag,” which you can fill up with your like-new women’s and kids’ clothing and send back to be sold on the site. Sellers earn cash or credit to shop on ThredUp. For even more extra cash, use a solid cash back credit card while shopping. There are a lot of great ones out there — be sure to check your credit score before applying to see if you qualify. You can check two credit scores for free with Credit.com.

3. Bag Borrow or Steal

If investing a chunk of money in a pricey handbag is something you’re loath to do, but you still have serious designer bag envy, then Bag Borrow or Steal may be the solution.

The site allows users to rent some of the most luxurious bags on the planet — Louis Vuitton, Chanel, Gucci, Tory Burch and more. Bags can be borrowed in 30-day increments. If you love the bag, you can continue renting it.

At the time of publishing, rental prices range from as little as $45 per month for a large Michael Kors satchel to $600 for a Chanel Boy Bag.

4. Eleven James

Many people opt to admire expensive watches from afar due to not having the budget to dabble themselves. Thanks to Eleven James, a tight budget won’t hold you back from this accessory.

Luxury watch rental membership program Eleven James allows members to wear designer watches worth thousands of dollars, brands such as Bell & Ross, Cartier, Breitling, Rolex, Tudor, and more.

Those who sign up receive a new watch aligning with their style preferences every few months. Each watch can be worn for three months and then returned.

Membership costs vary based on the category of watches you’d like to have access to, but start between $149 to $169 per month. For that entry-level price, you’re able to sample two to four watches over the course of six to 12 months.

5. 260SampleSale

Ms. Fabulous.com creator Mariana Leung is a big fan of sample sales — events hosted by designers where you can purchase clothes for a significant discount. Long reserved for fashion insiders, these shopping extravaganzas are now being offered to the masses by such sites as 260samplesale.com and clothingline.com, said Leung.

For instance, 260SampleSale specializes in running sample sales for some of the biggest brands in fashion, including Diane Von Furstenberg, J Brand and Fivestory. The key is to sign up to be on the alert lists for these sites in order to score access to the sales.

In terms of the discount, “It’s at least 60 to 65% off.” said Leung. “I’m not even walking in if it isn’t that much. And on the last day of the sale, the prices drop even more.”

Image: Petar Chernaev

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14 Ways to Save at Wayfair

While it could be easy to spend a ton at Wayfair, there are many ways to save.

Online shoppers delight in Wayfair, the online home goods store with everything from furniture and decor to kitchen goods and everything your backyard needs to become a stress-free sanctuary. While it could be easy to spend a ton at Wayfair, there are many ways to save. Here are a few.

1. Wait for an Annual Event

A few times a year, Wayfair offers annual events with discounts on a particular type of home good. If you check back on the site regularly you might be lucky enough to catch sales of up to 70% off.

2. Provide Your Email Address

Scroll to the bottom of Wayfair.com and enter your email address for access to special discounts and up-to-the-minute information on the latest sales and promos via email newsletter.

3. Create a Wayfair Business Account

If you’ll be purchasing goods from Wayfair for your home office, create an account with the Wayfair Business program to receive a business discount. You’ll also have access to an assigned business account specialist to help you with any of your questions, and you’ll save $50 off your first order of $150.

4. Refer a Business Friend

Wayfair business members who refer a friend to join the business program get $50 in rewards points once they do so.

5. Refer a Regular Friend

Business members aren’t the only ones who earn rewards for referring friends. Regular customers earn $10 in Rewards Dollars when a friend they refer makes their first order of at least $50. The friend gets $10 off their first purchase, as well.

6. Leave a Review

Wayfair often offers a cash bonus on each item you review on the site. Check under the “My Account” tab to see if this offer is available to you. You are also entered to win up to $500 in Rewards Dollars or a gift card every time you leave a review.

7. Shop the Daily Sales Section

Wayfair loads new deals on the site every day. Check under the Sales tab for limited-time offers. If you provided your email to sign up for a Wayfair account you can also learn about these sales through email.

8. Check out Clearance Items

Browse hundreds of overstock and open-box items at bargain prices by searching the clearance section of the site.

9. Learn About Upcoming Sales

Wayfair makes it easy for you to plan your next purchase by loading their monthly sales under the Upcoming Sales tab of the site. Check it out frequently and mark your calendar for upcoming sales on goods you’re interested in purchasing. You can also click the “notify me” tab to get an email reminder.

10. Apply for the Wayfair Credit Card

Consumers who apply for the Wayfair card have access to more savings, like no interest on orders of more than $500 when they’re paid within 12 months, rewards dollars on every order and points on every order to redeem for rewards dollars. Often the card comes with another additional benefit that changes. For example as I write this, members who apply for the card are eligible for a 48-month finance option on all Tempur-Pedic, Stearns & Foster and Sealy mattress purchases more than $2,498. Plan to pay this card off in full after every use, as the 27.49% annual percentage rate is hefty. Check the card terms for more details.

Wayfair shoppers may also want to use a credit card that rewards their purchases. Many cards allow frequent shoppers to earn points or cash back for their retail habit. (Be sure to check your credit score before applying for a new card to see if you’ll qualify. You can check two of your scores free on Credit.com)

11. Use Your Card at Sister Stores to Earn More Rewards

Your Wayfair card can be used at Wayfair, Joss & Main, AllModern, Birch Lane, DwellStudio and Wayfair Supply, as well. Use it at all of these places to really rack up points. Points and rewards can be cashed in at any of these stores, as well.

12. Find Online Coupons

Although they might be harder to come by than other sites, it’s always worth doing a quick search to try to find additional Wayfair coupon codes. Try all the staples (like RetailMeNot, Coupon Cabin, Groupon and Coupons.com), then try a random Google search for “Wayfair coupons” to see what you come up with.

13. Get Social

Use social media media to your advantage by following Wayfair on Facebook and Twitter. This way you’ll be sure to catch all their sales. Using social media is especially important for flash sales that end the same day or in a couple of days.

14. Get Cash Back Bonuses

Join a cash back site like ebates and you’ll earn a $10 welcome bonus to purchase goods at stores like Wayfair. Check back regularly for additional coupon codes and ways to earn more cash back on your purchases.

Want more brand hacks? You can find 17 ways to save at Michaels here and 13 ways to save at Shutterfly here.

Image: SelectStock

Note: It’s important to remember that interest rates, fees and terms for credit cards, loans and other financial products frequently change. As a result, rates, fees and terms for credit cards, loans and other financial products cited in these articles may have changed since the date of publication. Please be sure to verify current rates, fees and terms with credit card issuers, banks or other financial institutions directly.

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How to Get the Most Out of Amazon’s ‘Subscribe & Save’ Program

You can save both time and money by automating the purchases of things you buy the most. Here's how to do it right.

The Amazon Subscribe & Save program can be a great way for Prime members to save money while automating a bit of life. For my family, Subscribe & Save is a way to buy items like toilet paper that we never seem to realize we’re running low on until the last minute. Here’s how the program works and how you can make the most out of it.

How ‘Subscribe & Save’ Works

Tens of thousands of items on Amazon are Subscribe & Save eligible. Basically, when you buy these items you can either buy them normally to ship with your next manual Amazon order, or you can add them to your Subscribe & Save list. This list sets up regular delivery dates — from monthly to every six months — whatever fits your needs.

One of my favorite parts about Subscribe & Save is that you can set different items to different schedules. For instance, you could have toilet paper arrive magically at your doorstep each month, but get toothpaste shipped to you every other month. The trick is to make sure you’re getting the items you need without ordering more than you need.

What Are the Benefits of ‘Subscribe & Save?’

Besides just making life easier by automating the shipment of certain items you need on a regular basis, Subscribe & Save has a few other benefits, including:

  • Discounted prices. The basic Subscribe & Save price for nearly all items is a little lower than the normal sticker price. But you can stack those savings up even more by adding five or more eligible items to your subscriptions. For some items, the savings is 15%, and for diaper subscriptions, it’s 20%.
  • Coupon options. You can add even more savings by clipping Amazon coupons when you check out. These coupons often apply to the first time an item ships as part of your Subscribe & Save cart.
  • Free shipping. Even if you’re not an Amazon Prime member, you get free shipping when you use Subscribe & Save. This also applies to small items Amazon calls Add-On items, which even Prime members have to add to a cart with at least $25 worth of goods to ship for free.
  • Flexible delivery schedules. Like I noted above, you can set items to a delivery schedule that fits your needs. And you can always update your delivery schedule if you find you’re receiving too many or too few shipments for your personal use.
  • Changeable delivery date. On top of that, if you need to bump your delivery date a few days — say you’re running low on toilet paper and need a delivery a week early, it’s no problem. Just log into your Amazon account, and change your delivery date.

How To Get the Most Out of It

Now that you know what Amazon’s Subscribe & Save program is and how it works, let’s talk tips for making the most of the program:

  • Do some price checking. Obviously it’s in your best interest to get familiar with Amazon’s prices versus prices at your local grocery store, discount store or warehouse store. Sometimes the convenience of a Subscribe & Save option will be worth a slight premium, but you should aim to save as much as possible on individual units of each item that you order. And don’t just price check once. Take note of the prices of your favorite Subscribe & Save items each time you’re in the store, just to make sure you’re still getting a good deal. Note that Subscribe & Save offers almost all name-brand items. If you have a more-affordable, off-brand counterpart that you like, you’ll probably save money by going with that item, instead. But if you have certain preferred name brands for personal care, household, baby care or even food items, you may find them on the Subscribe & Save list.
  • Check your cart’s prices every month. One of the worst parts about Subscribe & Save is that prices on these items change with their Amazon list prices. This can be a little tricky, especially if the prices go up. Make a habit to log into your Subscribe & Save account each month to make sure you’re not paying way more for a particular item than you should. Amazon will tell you when you can last edit a Subscribe & Save item, which is typically several days before your scheduled delivery.
  • Add additional items just before your ship date. Loads of deal and coupon websites give lists of the best Subscribe & Save deals for that particular month (or you can download an app like Honey that will automatically check to see if any coupons are available for the item you’re considering). Check these deals out before your order’s last day to edit.
  • Always have at least five items in your Susbscribe & Save account. The best way to net 5% to 15% savings on Subscribe & Save is to schedule at least five items for regular delivery. With all the available Subscribe & Save items, it’s pretty easy to find some household basics to help you meet this savings threshold.
  • Look for coupons. Amazon offers the option to clip virtual coupons as they’re available. Again, you can often find lists of coupon-eligible items on deal sites around the web or with savings apps. These coupons typically only apply to your first Subscribe & Save order, but they can be a great way to net some initial savings.
  • Skip shipments when necessary. Perhaps the hardest part about making Subscribe & Save work for you is figuring out when to order certain items. I know, for instance, about how much toilet paper and how many diapers my family will go through in a week. But how often do I buy a new tube of toothpaste? I’m not really sure. Make your best guess when setting up your shipment times. Then if you’re not running low on an item when it’s scheduled to deliver, hit the “skip” button. This will push the item back a month, and reset its whole delivery schedule based on that shipment.
  • Edit items as you go. If you find yourself consistently “skipping” one or two items, make your life a little easier: edit the shipment times. Again, you can have your Subscribe & Save items shipped as often as once month or as infrequently as every six months. Tweak your shipment times as you go, and you’ll put less time into managing your Subscribe & Save list each month.

You can save even more by applying for one of Amazon’s credit cards. You can read here about whether an Amazon credit card is right for you. You’ll need good credit to qualify, so if you don’t know where your credit stands, you can check your credit scores for free right here on Credit.com.

Like all Amazon tools and programs, Subscribe & Save won’t always save you money. Sometimes there’s a premium to be paid for convenience. But if you use these tips, you can probably get great discounts on items you would have purchased to begin with.

Image: AdrianHancu

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How to Decorate Your New Home for Less

One of the best parts of buying a home is decorating it. Of course, not everyone has an eye for design or the means to upgrade their space. And for those who don’t consider themselves savvy, decorating can feel like a chore.

As someone who’s moved a lot in her life, I’ve learned a few things about perfecting a home on the fly. I’ve also learned how to do it for cheap, but not in a way anyone will notice. Here, I’m sharing a few of my favorite tips for decorating your new home for less.

Buy What You Love

All too often people survey their empty home and feel compelled to rush out and fill it. This is a mistake, and soon they find themselves saddled with things they regret — and a hefty credit card bill to boot. (You can see how your credit card spending affects your overall financial health and view two of your credit scores, with helpful updates every two weeks, for free on Credit.com.) If you focus on purchasing things you love, you’ll be more likely to curate a home that reflects your true style.

Hit the Flea Market

For many, flea markets conjure visions of old women rummaging through boxes of moth-eaten duds. Not so. Antique hunting is one of the great pastimes, and you can always score a deal if you’re willing to haggle. Though you probably won’t want to buy everything, keep an eye out for tchotchkes or objets with character — from vinyl to antique stemware to farmhouse sinks. Word to the wise: Bring cash and try to go with an idea of what you’d like to find so you aren’t distracted. Also make sure to test items out, like electronics.

Just Add Plants 

Nothing enlivens a home like a plant, and I say this as someone who’s murdered more houseplants than I can count. Despite my black thumb, I continue to buy plants because they’re the simplest way I know of to add color and character to rooms without going broke. They also make me happier, and there’s no shortage of cool and affordable planters to choose from. Place a single stem in the bathroom for an elegant touch or set a jade plant on your nightstand to help you de-stress. Bonus points if you hang decorative planters on the wall.

Put Some Paint on It 

Nothing transforms a room like a fresh coat of paint, and you’ll end up saving a bundle if you do it yourself. Of course, you’ll need to shell out for things like drop cloths, brushes and cans, but if you round up some friends (and order some pizza), chances are the job will get done quickly. Remember, if your ceilings are high or you just don’t feel safe, it’s OK to send in the pros. Same goes for homes with decorative features like millwork and molding — you don’t want to mess up those finishes.

Try Consignment Sites

Like flea markets, consignment sites like Chairish and even Craigslist are helpful for scoring design pieces for less. I’ve seen many a popular blogger trick out her home with Craigslist finds, and Chairish makes it easy to check the condition and size of an item before you buy it. As with anything you’re eyeing online, you’ll want to verify it matches its listing and bring a buddy along to pick up the goods, if necessary. Go here to learn more about shopping safely online.

Image: Thomas_EyeDesign

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8 Online Shopping Hacks Everyone Should Know

Should You Use Credit or Debit When Shopping Online?

While brick-and-mortar stores still account for most shopping purchases, almost 70% of adult consumers shop online at least once a month, according to the global market research firm Mintel,

If you’re like me, you love the convenience of shopping in your PJs. But how do you find the best deals? The following tips will help you score the very best price on everything, from books to the shelves that hold them.

1. Do Your Homework

To make sure you’re getting the best price, use comparison sites like Price Grabber or Yahoo Shopping before deciding on a site. Simply enter the name of an item and all the retailers that carry it, and the store with the best price should magically appear.

2. Get Dynamic

If you have the patience, watch how a product’s price fluctuates over the course of a week or more. Many sites use “dynamic” or “surge” pricing, which can cause prices to rise and fall due to demand and other factors. Rumor has it some sites even price items based on your personal browsing habits, so try clearing your search history before shopping.

An easy way to keep an eye on prices at popular e-tailers like Amazon, Newegg and more is with price alerts like the ones provided by Slickdeals. Just create an alert for a specific item and you’ll receive an email if the price drops below a certain amount. When the price is right, pounce.

3. Look out for Coupons

Now that you’re armed with info on which retailers have what you want at the lowest price, see if you can get an even lower price by looking for coupons on sites or apps like Dealnews and FatWallet. You may not find a discount or free shipping offer to apply to your purchase, but it’s worth a try.

4. Give a Gift to Yourself

Check sites like GiftCardGranny and Cardpool to look for discounted digital gift cards for the site where you plan to shop. You may save anywhere from 2% to 30% on your purchase.

5. Become a New Customer

If you have not shopped on a certain site before, you probably have a “new customer” discount coming your way, which will pop up when you visit the site. And whether you are a new customer or not, familiarize yourself with the store’s return policies. While most e-tailers accept returns, some won’t do it for free, so it’s good to know the rules just in case.

6. Let It Be 

If you can bear to wait, try leaving your item in the shopping cart for a day. The e-tailer might send you an email offering a discount on that item. Or you might find a discount in your social feeds. Be mindful that if the product’s already on sale, it could sell out while you wait.

7. Ship Items Free

Try to avoid paying for shipping if you can help it. Some sites offer free shipping all the time and some have fairly low spending thresholds, like $25. Rather than pay $7.95 or so for shipping, consider adding a low-priced (but useful) filler item like a pair of socks to score free shipping. If you shop with Amazon but don’t have Prime, try the helpful Filler Item finder for suggestions on what to buy to reach their $35 free shipping threshold.

8. Join the Club 

If there are sites you like to shop, sign up for their mailing list so you can be privy to sales and other special offers. Some sites even send discounts on birthdays or offer bonuses for referring a friend. Following your favorite online brands on social media will also keep you abreast of sales.

Remember, when shopping online it pays to be safe. If you ever have reason to believe your personal information was compromised, you can check your credit report for signs of fraud on Credit.com.

More Money-Saving Reads:

Image: Jupiterimages

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6 Secrets to Buying Quality Used Stuff Online

quality used stuff

Buying something used vs. new is a classic way to save money. Garage sales and thrift stores are standard for this type of commerce.  But these days, thanks to apps and the internet, there are dozens of ways to buy treasures sellers want to get rid of. There are a few rules of thumb for effective ‘treasure hunting.’

1. Explore the Uncharted Territory

Before you start buying, get familiar with the ins and outs of the site you are visiting. Some sites, like Etsy — where you can not only buy handmade items, but used items as well — are pretty straightforward. EBay can be a bit more complicated, with its variety of options for buying and selling and tricks to scoring the best stuff. Their Bidding and Buying Help page can help you get the lay of the land.

2. Read the Fine Print

Before making a purchase, form a solid understanding of important details like shipping fees, shipping times and return policies. The information should all be accessible – read it so you know what you’re getting into.

3. Be Discerning

From the old guard like Craigslist to newer players like local re-selling marketplace Wallapop, most of these sites offer seller ratings or reviews. They are all a little different. But before you buy from someone, try to figure out if this person is reliable. Look for top-rated sellers with reviews confirming quality merchandise, responsiveness and fast shipping times.

4. Look for a Quality Guarantee

While it’s pretty much a free-for-all on most of these sites, with sellers posting and selling their wares with no oversight, some sites, like clothing and accessories re-seller ThredUp, hand-select the merchandise on their site. If an item is less than perfect, the imperfection is indicated so you really know what you’re getting.

5. Know You’re Not Alone

Buying items from individuals may be unnerving, but most of these online marketplaces have protections in place to ensure you are a happy customer. A good example of this is clothing marketplace Poshmark’s Poshprotect, which does not release your payment to the seller until you give the A-OK. And if you’re unhappy, they make it fairly to return your order (it has to be for a good reason, not just because you changed your mind). Local re-selling marketplace OfferUp offers an extra layer of security with its TruYou verification system, which helps to ID the seller as a “trusted” user.

6. Meet Face to Face & Do It Safely

If you see something you like on a local re-selling marketplace like Craigslist or competitors LetGo, OfferUp and Close5, be sure to meet the seller somewhere secure – you are meeting a stranger after all! Some communities offer designated Craigslist sale zones outside fire or police stations specifically to ensure the safety of these face-to-face sales. You might consider bringing someone with you, and if that’s not possible, let someone know where you will be and when you expect to be home. Also, do not buy anything until you have thoroughly looked it over and tested its functionality.

Keep in mind too that your payment method offers some protections as well. For example, some credit cards offer purchase protections when used on online marketplaces to protect buyers from goods being delivered broken or not as promised. Take a look at your cardholder agreements closely to pick a credit card that has the best protections.

On the same token, you don’t have to buy just anything because it’s a good price. Spending for spending’s sake is a fast way to get into debt.

More Money-Saving Reads:

Image: InnaFelker

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Paying Over the Phone With a Credit Card: Are There Risks?

pay_credit_card_phone

Ever wondered what the difference is between using your credit card over the phone versus in person or online? When you use your credit card to make purchases by phone, some things work just as they do when you hand your card over. But there are also some major distinctions.

Verbal authorizations of credit card purchases by phone are declining as more remote transactions move online, Steve Kenneally, vice president of the American Bankers Association’s Center for Payments and Cybersecurity Policy, said. However, telephone credit card transactions have the same consumer protections as when you use your credit card in person or online, he said. The Fair Credit Billing Act of 1974 limits cardholders’ liability to $50 in the case of fraudulent transactions, yet nearly all card issuers waive this requirement by offering a zero liability policy.

Any merchant gathering card data must comply with stringent data security standards, just like other types of transactions. In fact, telephone transactions pose a bigger security risk to merchants than shoppers because this is an easy way for criminals to use stolen credit card information without presenting the card.

When making telephone transactions, shoppers should be aware of the fact that they don’t have anything in writing to confirm the nature of the purchase or its amount. When shopping in person, cardholders can view a readout on the register or get a copy of their receipt. And when shopping online, the purchase is put in writing. But when agreeing to a telephone transaction, both parties must make clear the nature of the goods or services being sold, as well as the exact amount of the total charge. The merchant must then provide a receipt, either online, in the mail or with the goods delivered.

Tips for Paying by Phone

When calling a merchant to make a payment, there are some steps you should take to ensure the transaction goes smoothly. First, listen carefully to the description of the sale to check what you’re getting. Unlike in person, you don’t have the goods in hand, and unlike online, you can’t see a picture before confirming the purchase.

When purchasing airline tickets or other travel reservations, take the time to have the merchant read back all of the reservation dates and times, and ask him to confirm the total amount of the charge, including any separate telephone booking fees, which are charged by many airlines. It’s also vital to double-check that your name is spelled correctly.

Next, go online and double-check the amount of the charge to confirm it was processed. With most airlines, for instance, you can receive a refund for any ticket purchased within 24 hours. Notably, American Airlines does not offer such a policy and complies with regulations by offering free 24-hour ticket holds.

Finally, don’t broadcast your credit card information in public, as criminals may overhear. Instead, try not to make charges by phone until you have a little bit of privacy. You should monitor your credit card statements regularly for fraudulent charges. If you have reason to believe your personal information has been compromised, you may want to check your credit for signs your identity has been stolen. You can pull your credit reports for free each year at AnnualCreditReport.com and see your credit scores for free each month on Credit.com.

Paying by Phone in Person

Making a payment over the phone is a practice that dates back to the popular mail order catalogs that preceded Internet shopping. Today, people are more likely to use their smartphones to authorize purchases at retailers than to spend time reciting their credit card information over the phone. New technology such as Apple Pay, Samsung Pay and LoopPay promises wireless transactions using stored credit card data. These transactions can be convenient for shoppers, but you need to be sure that your phone has some charge left before you go to the store. Thankfully, you can still use your mobile phone to make payments, even when you can’t get voice or data service.

More on Credit Cards:

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